Accidental Death and Dismemberment
Accidental Death & Dismemberment (AD&D) insurance provides coverage for non-job related accidental dismemberment or accidental death.
About AD&D Coverage
You must have coverage for yourself in order to purchase coverage for your spouse or child(ren).
You can purchase AD&D for you and your spouse in increments of $10,000 (up to $250,000).
You can purchase coverage for dependent child(ren) at levels of $5,000, $10,000 or $15,000. The coverage you select for your spouse or your child(ren) cannot be more than the coverage you elect for yourself.
Evidence of Insurability (EOI) is not required to enroll in this benefit.
Eligibility
- Regular full-time or part-time employees scheduled to work 20 hours or more per week are eligible.
- Full-time temporary positions on a six-month or longer assignment are eligible.
- If you elect coverage for yourself, you can also cover your spouse or children.
Coverage begins on an employee's date of hire. If you are benefits-eligible, you must enroll during your first 31 days of employment with Emory.
Cost
Current rates for Accidental Death & Dismemberment are shown below:
| Coverage | Monthly Rates | |
|---|---|---|
| Employee / Spouse | $10,000 | $0.14 |
| $20,000 | $0.28 | |
| $30,000 | $0.42 | |
| $40,000 | $0.56 | |
| $50,000 | $0.70 | |
| $60,000 | $0.84 | |
| $70,000 | $0.98 | |
| $80,000 | $1.12 | |
| $90,000 | $1.26 | |
| $100,000 | $1.40 | |
| $110,000+ | $1.54—$3.50 | |
| Child(ren) | $5,000 | $0.07 |
| $10,000 | $0.14 | |
| $15,000 | $0.21 |
Example
Here is an example of how the cost for an AD&D insurance policy is calculated for a monthly paid employee who elects $100,000 in coverage for the year.
Cost = ($1.40 x 12 months) = $16.80 for the year
How to Enroll
New Hires
Eligible employees can enroll through Self-Service anytime during the first 31 days of employment. View Step-by-Step Enrollment Instructions for help in navigating this process.
If you do not enroll during your first 31 days of employment, you will not receive coverage. Your next opportunity to enroll will be during annual enrollment.
Current Employees
Employees are provided an opportunity to make changes to their benefits each year during annual enrollment (held in the fall).
How to Submit a Claim
To submit a claim, contact:
1599 Clifton Road, NE
Atlanta, GA 30322
Making Changes
To Your Coverage Amounts
Complete a new Life Insurance Enrollment Form (available from the Benefits and Work Life Department) to make changes to your coverage amount. Be sure to fill in beneficiary information.
Coverage is effective the first of the following month after the form is received and administratively processed.
To Your Beneficiaries
Use Self-Service to designate or make changes your beneficiary at any time. View Step-by-Step Guide to Changing Beneficiaries
Contact Information
Questions about enrolling or making changes to your coverage throughout the year
647271
Filing a claim